Target Education Portfolios
Investing in knowledge made easy
BMO Target Education Portfolios are actively managed, all-in-one investment solutions that adjust smoothly to a more conservative portfolio as your child’s post-secondary education start date approaches.
Designed to grow your savings in the early years, our portfolios gradually shift to a less risky, income-generation phase, making it easier to pay for the education expenses when your child needs it.
Why invest in BMO Target Education Portfolios
Tailored solutions
Built-in risk management
Focus on lower-risk investments so that your child has sufficient funds when they need them.
Strategically designed
Our comprehensive investment approach
Growth
At the beginning, the portfolio’s asset mix will primarily be invested in growth-oriented investments such as equity mutual funds and ETFs.
Lower risk
As the portfolio’s target date approaches, we gradually shift the asset mix to a more conservative portfolio primarily invested in fixed income mutual funds and ETFs.
Preservation and income
Once the portfolio’s target date is reached, the assets will be switched into the BMO Target Education Income Portfolio to provide capital preservation and stable income as your child starts to draw down their money.
Our portfolios to grow your RESPs
Your next step is to choose the most suitable investment solution to grow savings in a Registered Education Savings Plan (RESP). We have made that decision simple for you by creating portfolios with specific target dates that you can align with your child’s post-secondary education start date.
*The asset mix weightings are approximate values and subject to change due to the asset allocation strategy, whereby the portfolio gradually shifts its asset mix from an exposure that is balanced between equities and fixed income securities to an exposure that is primarily to fixed income securities and cash equivalents.
Resources and documents
Start investing with us
Financial advisors, please contact your regional wholesalers, or call us on 1-800-668-7327
If you are an investor, please speak to your financial advisor about including one or more of our mutual funds in your portfolio.
Target Education Portfolios FAQs
Disclaimers
BMO Global Asset Management is a brand name under which BMO Asset Management Inc. and BMO Investments Inc. operate. Certain of the products and services offered under the brand name, BMO Global Asset Management, are designed specifically for various categories of investors in Canada and may not be available to all investors. Products and services are only offered to investors in Canada in accordance with applicable laws and regulatory requirements.
Commissions, trailing commissions (if applicable), management fees and expenses all may be associated with mutual fund investments. Please read the fund facts or prospectus of the relevant mutual fund before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. Distributions are not guaranteed and are subject to change and/or elimination.
For a summary of the risks of an investment in BMO Mutual Funds, please see the specific risks set out in the prospectus.
BMO Mutual Funds are managed by BMO Investments Inc., which is an investment fund manager and a separate legal entity from Bank of Montreal.
®/™Registered trademarks/trademark of Bank of Montreal, used under licence.